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State License: AZ #931951

Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!

With AmeriFirst Financial you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Competitively Priced Loan Programs:

  • Home Affordable Refinance Program (HARP) Disclaimer
  • Purchase, Rate and Term Refinance, and Cash-out Refinance Programs
  • Fannie Mae Conventional, High-balance and Adjustable-Rate Mortgages (ARMs)
  • Jumbo, Portfolio & Investor Products

We're here for you, ready to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

Mortgage Calculator

Buying a home is a big investment with expenses you may not have thought about. Use our mortgage calculator to estimate your mortgage payment, including taxes and insurance.

Please enter a valid home price


30-Yr Fixed / 0% Interest
  • Principal & Interest $0
  • Property Tax $0
  • Homeowners Insurance $0
  • Mortgage Insurance $0

Additional Calculators

How Much Will My Payments Be?
Calculate your monthly payment with applicable finance charges, PMI, hazard insurance, and property taxes.

Mortgage Principal Calculator
This calculator allows you to "peek into the future", allowing you to see the remaining balance of your mortgage after several payments.

Affordability Calculator
How much can you borrow from a lender? Use this calculator to calculate the amount you can afford from the lender's point of view.

Mortgage Length Calculator
This calculator will help you to determine your savings if you make larger monthly payments.

What if I Pay More Every Month?
See how your mortgage will be reduced, if you pay $$$ more every month.

Should I Refinance?
Is your old APR (Annual Percentage Rate) too high? Estimate the benefits of refinancing using this calculator.

Tax Benefits Calculator
This calculator will calculate your tax savings after a house purchase. Financial analysis includes first year as well as total tax savings.

Should I Pay Points to Lower My Interest Rate?
Calculate how much points affect your monthly payments and how fast they will pay for themselves.


Ariana is a true professional. She is knowledgeable and quick with her responses and made the process easy peasy. One of the most seamless mortgage transactions I’ve ever had! Jennifer
Ariana helped us get qualified for our first home. She is fast, nice, efficient, and available to answer all our questions. Thank you for all your hard work! We are sooo very grateful! Maia Hatch Home Owner
It was a pleasure working with Ariana! She made our Refinance so easy! She was very thorough and kept in touch on a regular basis as well. There was always a quick turn around time answering our questions! I highly recommend her! Pamela Persson Refinance to a 15 Year Loan
Ariana has literally gone above and beyond to help us get our loan for our home. She is super easy going and fun to work with. I highly recommend her to anyone. Great service, always in a good mood, and she will make you smile every time. Savio Roberts Client / Marketing Director
I highly recommend Ariana ! She made home buying for me and my family possible. she also made it so easy and took care of us very well! Excellent customer service very friendly and would definitely recommend for home buying ! Miguel Castillo First time home buyer!
She wonderful every step of the way. Helping pick up things and fixing my credit. Kathie Leslie Arianna Miccilis
She did a wonderful job she help in every way possible. We would probably not got as far as we did without her. We would do it again with her thank you so very much Deborah E Greene
Ariana worked hard to make sure this process of home ownership was achieved. She always responded accordingly and I never felt I was going thru this alone which helped cut down on the stress. Her knowledge of the process was excellent and I feel she went above and beyond. Would ... READ MORE Janice Funderburk New Home Owner
It was great working with Ariana Miccolis. She's highly knowledgable and thorough. She went above and beyond to ensure that our documents were processed quickly and we appreciated her attention to detail. She's very personable and professional. I would definitely recommend working with her. Ricardo Gutierrez Genomic Variant Scientist
Ariana did an absolutely amazing job with the refinance to my home. My wife and I used her for when we purchased our first home a year ago. Ariana is thorough, organized, and very communicative. We are very lucky to have a loan officer like her to ensure we are making the best home ... READ MORE Travis Marquez Hero
Ariana was a pleasure to work with. She made buying my house a breeze. Ariana communicated often to ensure I knew where we were each step of the process. When I had questions of concerns she answered every call and/or email quickly and with detailed answers to ensure my understanding. ... READ MORE Joelle Peardon Buyer
Being a first time home buyer and having Ariana walk me through everything was greatly appreciated. I would give her 10 stars. Communication was on point, always assessable and she was extremely patient with my million questions. We were in a time crunch and she really worked her magic ... READ MORE Lora Cocchiaro Lora Cocchiaro
Ariana did a great job! She answered all our questions with a fast response and knowledgeable about her job ! Anthony Miller Anthony Miller
Ariana helped us get our first mortgage 3 years ago and this month we closed on our refinance! She was an incredible help & really eased our worries during both journeys! Ariana is very professional but also takes her work very personally and puts so much heart into what she does! ... READ MORE Mary Hubbs Mary Hubbs
Actually the whole process was really easy , Ariana told me what documentation she needed , we filled out some forms with basic information , and the rest just fell into place , Ariana and her team really came through for us , we were not even sure we would be able to get a home , but ... READ MORE Sandra Marie Persico
This young lady was the most knowledgeable person I have ever worked alongside. She was always available both day and night. I would recommend her for the best customer assistance award of the year. James Hepburn
Really great at what she does at Ameri First, really professional,knowledgeable and goes above and beyond to make sure her clients are satisfied I would recommend her to as many people I know Kevin Kaiser Usasirconditioning
Ariana provided an exceptional homebuying experience. I actually started my mortgage process with another lender, only ocassionally touching base with Ariana to ask questions, validate #'s, etc. Over a short time, Ariana earned my business with her actions. She worked ... READ MORE Zachary Moore Zachary Moore Manager - Workforce Management
Ariana is a very personable and knowledgeable loan officer. She made the process of me buying my new home very easy. Alice Angelini Project Order Coordinator
Purchasing a new home these days can be a daunting situation. I was very fortunate to have MS Miccolis as my loan agent. Her professionalism, knowledge and genuine desire to assist me through out the loan process made this task go smoothly. She made herself available to answer my many ... READ MORE Douglas Hallden
Ariana truly focused on us and our best interest. She made us feel like family. Working with her was one of the best examples of customer service I have ever experienced. Mike Moore Retired Corporate Training Manager
Ariana was a tremendous help in purchasing my new home. She took the time to walk me through the steps as the process unfolded. She made sure she was available if I had any questions or concerns and that included weekends. We were able to close on time as scheduled, as she made the ... READ MORE James Nez James Nez Home Buyer
Ariana is intelligent, patient, hard working and an over all lovely person. She went over and above for me during my home buying process. Her attention to detail and willingness to help made the transition an easy one for me. I highly recommend this amazing professional! Susan Volpe Rand Susan Volpe Rand Certified Interior Designer
I absolutely recommend Ariana. If you want the ease of working with someone who is a professional, well informed and understands lending Ariana is your go to person. She works with a great team and is a very good communicator. I can not stress how she took the stress out of the ... READ MORE Patricia Benner
Arianna has been fantastic. She kept me on track through the whole process. Explained everything thoroughly. Always kept me informed. She made a very stressful and hectic process bearable! I Would recommend her and the company to anyone and everyone. You all have been great. Debra Nollette Homeowner!!!
Ariana did an incredible job! She was amazing! She helped in any way possible to get this loan done. She always called or emailed me to stay informed of the steps we needed to take. Overall she is a great professional at her job an would recommend her to anyone. Richie Ordonez Client
Ariana was amazing to work with. I enjoyed working with her for my first time buying a home. She is very professional and friendly. She worked fast and efficient to meet my timelines and was always ready and willing to help me with whatever I needed to ensure things were done on time. ... READ MORE Maria Enriquez Claims Specialist
Ariana ALWAYS brings her A game. I don't know how she manages to squeeze 30 hours of work into a 24 hour day, but I truly marvel at her efficiency, poise and her composure in a world that lives and dies by the deadline. This Chick Rocks!!! ROBERT Z DISHMAN ROBERT Z DISHMAN REALTOR
I am grateful to have Ariana as my home loan agent. She's passionate at her job and will do everything to fit our needs and make a way to solve problem if there's something wrong in processing the approval of the loan. She will work with you and communicate to you constantly. ... READ MORE Steven & Shany Cabaltera 1st time house buyer
Ariana Miccolis was recommended by the listing realtor of a house on which we placed an accecpted offer. From the time we called her to get preapproved for a loan to the closing of our home purchase she made the process effortless for us. She took the time to make two home visits which ... READ MORE Jerry/Jan Conner Client
Great communication throughout the transaction. She delivered and beat deadlines. Very professional, a pleasure to work with!! Thanks, Ariana for making this so easy! Ricahrd Nichols Ricahrd Nichols Realtor
Ariana was such a pleasure to work with, This was a stressful time for me personally, and I felt very at ease with both her competence and compassion. I would utilize her services again in a heartbeat, should the need arise. Margaret ( Peggy) Knudsen Consumer, RN, Case manager

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